IDFC First Bank has introduced a new service that allows its NRI customers to use UPI directly from their international mobile numbers — no need for an Indian SIM anymore. This update rolled out on June 25, 2025, and is a major step toward making digital payments seamless for Indians living outside the country.
IDFC First Bank Launches UPI for NRIs
Until now, UPI services in India required a valid Indian mobile number linked to your bank account. That meant NRIs often had to maintain a separate Indian SIM card just to use UPI apps like PhonePe, Google Pay, or Paytm — which wasn’t always practical.
With this new update, IDFC First Bank NRE and NRO account holders can now link their foreign mobile number to UPI and start transacting just like residents in India.
This shift reflects a growing effort to make India’s digital banking infrastructure more accessible to its global diaspora — and more in tune with how NRIs actually live and bank.
Eligible Countries for the New UPI Service
This feature isn’t global just yet, but it does cover a solid list of 12 countries where a large number of NRIs live and work. If you’re a customer of IDFC First Bank and reside in one of the following countries, you’re eligible:
| Country List |
|---|
| Australia |
| Canada |
| France |
| Hong Kong |
| Malaysia |
| Oman |
| Qatar |
| Saudi Arabia |
| Singapore |
| UAE |
| United Kingdom |
| United States |
This means if you’re holding a foreign number registered in any of these countries, you can link it to your IDFC First Bank account and activate UPI with it — no need to insert an Indian SIM or use roaming services.
Key Features for NRIs Can Use UPI from International Numbers
If you’re wondering how this works or what makes it different, here are the highlights:
- No Indian SIM Needed
You can now use your international mobile number to register and operate UPI apps. - Instant Transactions
Pay bills, scan QR codes, send money, or receive payments — everything works in real time. - No Extra Fees
IDFC First Bank has confirmed that there are no added charges for using UPI through international numbers. - Secure as Ever
UPI transactions made from international numbers will have the same level of encryption and security as domestic users. - INR-Only Transactions
This service is designed for transactions in Indian Rupees only. Currency exchange is not supported under this model.
How to Set It Up IDFC First Bank UPI for NRIs
If you’re eligible and ready to try it, setting up the service is simple. Here’s a quick step-by-step:
- Download or Open the IDFC First Bank Mobile App.
- Tap on ‘Pay’ to enter the UPI setup section.
- Link Your NRE/NRO Account using your foreign mobile number.
- Create a UPI ID and verify your number.
- Start Transacting Instantly — no Indian number required.
That’s it. Once linked, your international mobile number becomes your UPI identity.
